There are programs to help stop foreclosure regardless of your situation. With the right help, most foreclosure situations can be successfully resolved. Many people needing help with stopping foreclosure simply do nothing and hope for a miracle. When facing foreclosure “Time is of the Essence”! The sooner you acknowledge the problem and begin to seek help, the more options are available to you. The longer you wait the fewer the options become. If your home payments are more than a 60 days behind, your lender has most likely began foreclosure proceedings. As time passes penalties and legal fees can be added to the balance you already owe. The longer you wait, the harder it is to obtain help. What next? There are literally thousands of loss mitigation and credit counseling agencies out there. Be sure to do a background check on these companies. One of the best ways is simply “Googling” them.